Cigna Global Silver vs Patriot America Plus
Patriot America Plus runs roughly $215 for a typical trip — noticeably less than Cigna Global Silver at around $330. The question is whether the savings come at the cost of coverage you'll actually use. Here's how each line of the policy actually plays out.
Cigna Global Silver edges out on pre-existing condition cover and avg claim settlement, taking 4 weighted points to Patriot America Plus's 2. Patriot America Plus still has the upper hand on typical premium band, so it stays the right call when those matter more than the headline coverage.
Side-by-side: who wins what
| Feature | Cigna Global Silver | Patriot America Plus | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Limited | Acute-onset | Cigna Global Silver |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Very large | |
| Typical premium band | ~$330 | ~$215 | Patriot America Plus |
| Avg claim settlement | 19 days | 30 days | Cigna Global Silver |
| Age eligibility | 0-99 | 0-99 | |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Cigna Global Silver and Patriot America Plus settle directly with US hospitals — no $50k credit card hold at admission.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both Cigna Global and IMG keep a round-the-clock claims line, not just business hours.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
Pricey for short trips; minimum 30-day policy term.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Other comparisons you might want
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This comparison reflects publicly available Cigna Global and IMG plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official Cigna Global Silver and Patriot America Plus certificates are the source of truth.